Your CNY boating season is short. Confusing boat insurance policies can sink your summer.
A boating accident can have catastrophic results. Uninsured damages, injuries, or pollution claims are avoidable. You need a policy built for today’s boater.
You can stop feeling intimidated and anxious about your boat policy
You want to protect your boat and your passengers from unexpected accidents and damages. But you don’t want to spend hours comparing different policies and reading confusing terms and conditions. You want a boat insurance policy that is easy to understand, affordable, and tailored to you and your vessel.
If a boat policy doesn’t give you confidence and security on the water, what is it worth?
The right protection goes beyond just the basics. Comprehensive coverage means you don’t have to predict every possible scenario. You want assurance that your boat is covered for theft, vandalism, fire, hitting objects, and more. Without worrying about exclusions and limitations, you can be secure in the fact that you’re protected against costly surprises.
What Our Clients Are Saying
“I always feel confident my insurance needs are covered with Steve and his team. They reach out if they find me a better rate, they clearly review my coverage so I understand, and communication is so easy with them.”
Lizzy Martin
“Steve is easy to work with and incredibly knowledgeable. He explains the details of your policy, highlighting the pros and cons of options. He really helped me to better understand what I was purchasing.”
Erin Wisneski
Education Station
Learn how to choose the right coverage for your needs, how to save money on your premiums, and how to make the most of your benefits. Whether you’re a new or existing client, you’ll find valuable information and tips that can help you protect yourself and your assets.
FAQ
Common Questions and Answers About Your Boat Insurance Policy Options
Can’t I just insure the boat on my home insurance policy?
While homeowners insurance may provide some coverage for small watercraft like kayaks or canoes, most policies limit the amount of coverage. Insuring a motorboat or larger vessel on its own policy can provide more complete coverage and help avoid surprises if you need to file a claim.
Can I just insure my boat for the season?
Boat insurance policies are designed as annual policies rather than short-term seasonal coverage. This ensures your boat is covered year-round, whether it’s in use during boating season or in storage during the off-season. Having continuous coverage can prevent gaps that would leave your boat vulnerable.
How much does boat insurance cost?
Boat insurance premiums vary widely based on factors like the size, style, speed, and value of the boat. For example, annual premiums may start around $400 for a pontoon boat, while a center console fishing boat may start around $800. Quotes are specific to the boat and coverage limits, so it’s best to get a personalized quote.
Don’t settle for less than the best boat insurance.
You work hard for what you have. You should feel certain you’ve purchased the right boat coverage. You don’t want to waste your time and money on a policy that doesn’t fit. Or worse, one that leaves you unprotected when you need it most.
With the right boat insurance, you can avoid
- paying for the wrong insurance,
- being denied a claim that could have been covered, and
- facing expensive repair costs on things you could have insured.
If the worst happens, you want to be you again, enjoying your boat, family, and unique lifestyle. We’re Horan, an independent CNY agency. Our trusted insurance specialists can steer you to a boat policy designed with you in mind. Don’t let confusion, intimidation, anxiety, or uncertainty keep you from getting the boat insurance policy you deserve.